The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,739
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,320/mo
Today · 4.125%
HK$44,357
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,699/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,714/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,434
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,680
−HK$1,263/mo
Today · 4.125%
HK$48,943
baseline
▲ 0.50% · 4.625%
HK$51,523
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,886/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,087
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,645
−HK$1,583/mo
Today · 4.125%
HK$53,228
baseline
▲ 0.50% · 4.625%
HK$56,467
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,456/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,721
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,216
−HK$1,516/mo
Today · 4.125%
HK$58,732
baseline
▲ 0.50% · 4.625%
HK$61,827
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,464/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,435
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,847/mo
Today · 4.125%
HK$62,099
baseline
▲ 0.50% · 4.625%
HK$65,878
+HK$3,779/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,198/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,008
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,752
−HK$1,768/mo
Today · 4.125%
HK$68,520
baseline
▲ 0.50% · 4.625%
HK$72,132
+HK$3,612/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,040/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,130
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,467
−HK$2,375/mo
Today · 4.125%
HK$79,842
baseline
▲ 0.50% · 4.625%
HK$84,700
+HK$4,858/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,684/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,582
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,823
−HK$2,275/mo
Today · 4.125%
HK$88,098
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,196/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,422 · Scale 2, in force from 26 Feb 2026)